Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the full behavioral burden. It only says 'Fast credit balance' and does not disclose whether the operation is read-only, what permissions are required, whether the balance is live or cached, or what happens on failure. The 'fast' adjective adds minor performance context but little behavioral substance.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.